View Print Friendly Version

Hello everyone,

When you meet someone that truly cares about helping others and would do anything to help them succeed, you want to tell the world about it.

When this person has a one-day event going on that transforms reader’s lives and helps the Make-a-Wish Foundation, you have to tell the world about it.

I have found a person like that. Her name is Tara Meyer-Robson, and she has put together a totally ground-breaking system in her award-winning book, The Flow: 40 Days to Total Life Transformation. Reading the book, you feel like she is sitting right next to you, guiding you, cheering you on, and empowering you every step of the way.

“The Flow is the best self-improvement book I have ever read” – Amazon.com review

“This is a very important book to me and I’m bringing it to my reading club, even before Oprah brings it to hers!”– Barnes and Noble.com Review

Better yet, her system really works. In a minute, I will tell you what readers have to say about this remarkable new book, but first, I want to tell you about the Total Transformation Giveaway Event that is happening today, October 8th. Believe me, you don’t want to miss this!

Just for purchasing a copy of this incredibly life-changing book on Amazon today (for only $19.75), you will be given over $6000 of free gifts from over 50 success, health, and self-help experts from around the globe. Better yet, every bit of this bonus is designed to help you to live the life of your dreams with ease – whether you desire financial success, emotional wellbeing, better relationships, or physical health. It is all there – ready for you to transform your life – but it is only available with order numbers from Amazon.com from purchases dated October 8th.

And – for every book sold today, Tara will donate $1 to the Make-a-Wish Foundation.

You can check out what is going on here: www.flowwithlife.com

Let me tell you, The Flow is not like any other self-help book you have ever read. In The Flow, you will take two completely ground-breaking tests: The Flow Factor Test, which pinpoints the problem beliefs, thought processes, and habits that are causing you to “tune in” to difficult experiences, negative patterns, and ill health in each of seven specific areas of your life and body, and The Reality Type Test, which identifies your unique learning style and shows you the most effective exercises for your personal strengths, allowing you to retune your mind and body in the most natural, efficient ways for you.

The result of this incredibly insightful, individualized process is that you will have a perfect 40-day action plan, designed to work for you and only you. In other words, you will know exactly how to apply the information to your life the moment you finish the book.

Stick to your simple, individualized plan for just 40 days, and you will be transformed.
But don’t just take my word for it. Here are some reviews from readers like you:

“Add Tara Meyer-Robson to your list of inspired teachers and guides you have hoped to come across in your life.”

“I look forward to the new life that I have always dreamed of, thanks to you.”

“Phenomenal! The changes I am experiencing in my life, only 2 weeks into the program, are phenomenal. I am making breakthroughs that I was never able to with other self-help books.”

“Like some of the others who have reviewed this book, I too have read a multitude of ’self-help’ books, but Tara’s is one I will continue to recommend above and beyond any of the others.”

Read more reviews and find out all the details of today’s event by clicking here: www.flowwithlife.com

Tara’s message in this book is a totally empowering one. As she says, “If you have tried other self-help programs or books and “failed,” the problem is not you; it is underlying beliefs that you are likely not even aware of – when you pinpoint and “retune” the negative programming using your personal strengths, you will succeed in tuning in to the life of your dreams – whatever your dreams are.”

You will succeed with this book. Purchase the book now and tune in to the life of your dreams, while getting over $6000 of free gifts.

Click on this link: www.flowwithlife.com to purchase the book and get all your free gifts now!

Keep the good Flow going! Do you know someone, perhaps a relative, friend, or co-worker who may benefit from this event? Pass this email announcement along to everyone you know that would love to live the life of their dreams, once and for all! And best of all, they can also get the $6,000 worth of FREE GIFTS and will help the Make-a-Wish Foundation. This is a once in a lifetime opportunity!

Enjoy!

Janet

 View Print Friendly Version

Discover the 3 SURPRISING roadblocks to permanent financial peace of mind
and how you can avoid making them!

Teleseminar takes place: Wednesday, September 24
8 - 9:30 p.m. ET/ 5 - 6:30 p.m. PT
(go to http://www.timezoneconverter.com to see the time in your time zone)

*Learn the 3 SECRETS to allow more money to flow into
your life and experience massive success in changing
your money mindset.

*IGNITE a powerful process to MAGNETIZE money or the financial
success you want and to better leverage your own resources.

* FEEL a greater sense of peace about your finances.

Janet is also including a special Question and Answer segment during the Teleseminar for you to apply these principles and get results fast.

JUST FOR REGISTERING you’ll receive over $2,500 of special bonuses
This includes a gift directly from me as well as gifts from many of the
other people involved in making this call possible.

Register below for the September 24 Teleseminar, to reserve your “seat” on this big call!

www.wealthharvest.com/money

Cya on the call!

Technorati Tags: business, mindset, money, prosperity

 View Print Friendly Version

You know that most people expect to fail, but HOPE to surprise themselves and win?  If you think about that, it is really true!

I think we all start off in our business excited about what we want to accomplish. That is the fun part! Creating and dreaming about what your business will be, and how you want your business to look. But then SOMETHING HAPPENS. You might not get your business off the ground in the time-frame you planned or something changes and you feel you have to re-think your niche or re-do your business plan. The clients are not there and you wonder why.

Then that nagging voice inside of you or people in your “Tribe” (meaning friends and family) start to say things that are not exactly positive like, Why would you want to start a business?  It’s so much easier to just punch a clock!  That will never fly!  Isn’t there like a million other people who do the same thing you do? So we start our downward spiral of negativity and the thoughts about not being good enough start to enter your mind and sometimes just those comments convince you that you can’t accomplish your goal.  These negative thoughts can start ripping away at your plan, your joy and your dreams.  This is when people who start a business make the decision to either take action anyway and make it happen, or go back to a safe J.O.B.

Wouldn’t it be nice if we could change the statement above to ‘Most people expect to win, and hope to surprise themselves and win even bigger’! Unfortunate, it’s just not human nature to think that way 100% of the time.  And no matter what, we always have someone in our life that will remind us to look at the negative side of our business idea.

Now, I am not saying that you shouldn’t do your due diligence when starting a business.  You need to do your research and make sure what you want to do is viable.  You want to make sure it can make money.  Then you need to take the correct steps in the right direction.

What can we do when this starts to happen to us?

First, I want to remind you that what we THINK ABOUT, WE BRING ABOUT!   And it is so important to surround yourself with positive people who support you and your business. I’m sure you have heard it said before, but you will only be as good as the people you hang out with.  Look at the top 5 people in your life.  Are they nurturing and supporting you and your vision?  Are the people in your life energy drainers or energy givers? This is so important for your growth.  If you find that your buddies, or I like to call them your TRIBE, are not people who inspire you or that you aspire to be some day, then you will need to find new tribe members!

How do we clear out our negative friends and what about family?

Sometimes it is so hard to let go of the people you know. Especially for someone like me who wants to change the world and make everyone see the positive side of life.  So, I have to step back and realize that no matter what I do, I will not be able to help someone see that life can be better if they are not ready to hear it.

If some of the people in your life are energy drainers and they are family members, then you need to create boundaries around those energy-draining conversations.  You can tell your friends or family, with a smile on your face, that you disagree with their negative comments. Then move on to another topic.

What about our mindset?

There are a lot of people in the Internet business community talking about changing your mindset. They say by getting clear and focused on the positive thoughts you will increase your business and double your income.  Well there is a lot more work to be done to manifest things in your life. And the steps can be uncomfortable for some people. You have to make shifts in your thinking daily and sometimes by the minute!  You have to be willing to work for it and make the changes needed to get you where you want to go. I heard something that really rang true for me on a teleseminar about money that I was listening to the other day. The speaker said that ‘to get on the right money track we need to show active faith, act as if, and put one foot in front of the other towards our vision. Be sure to choose where you put your thoughts and attention.’

The action steps towards your goal are key. Keep moving, keep focused, and don’t stop.  My business motto is, ‘I will never quit, this is my dream and I believe in it 100%.’

The good thing about all the ‘mindset talk’ is we are starting to be more aware that we can create our lives to be different, and that is so awesome! But we need to know how to do that.  We need to be willing to work on making changes to our mindset daily.

We are truly the artists of our lives! How do you want your life to look? What type of business will you start and stand behind 100%?  Take time to think about that.  If you are not where you want to be right now in your life or business, you can be.  You just need to make a choice and take steps towards your vision.

I have a lot of tips and tricks to share with you on how to shift your thoughts and create a more positive mindset each and every day. I will share more of that with you in my next blog post!

Until then,

Love and Joy!
Janet
________________________________________________________________________

Wealth Harvest is designed to support women in transition to release their negative beliefs about money and create and receive the wealth they deserve!

For a very limited time, I am offering a 30-minute Wealth Activation Session directly with me for $37! Quickly and clearly identify blocks that stand in the way of your success and learn how to clear them from your life. When you emerge from your Activation Session, you’ll feel a level of relief from the simple realization that someone else out there knows what you’re going through and can help make a difference – immediately!

Simply Sign Up for this activation session by emailing me at info@wealthharvest.com This offer will end on August 31st!

Technorati Tags: experiment, games, intentions, money

 View Print Friendly Version

Since my dream about my ‘money monster’ I have been looking for new ways to make money fun! So many of us feel that they are not friends with money and have a hard time either attracting it or keeping it once they have it.  As I stated in my note, I started a money experiment and am posting my outcomes on my other blog.

Since I started that experiment, I have had people tell me about different fun activities around money that they enjoy.  I have incorporated these into my daily activity and wanted to share them with you.

First, I started the Prosperity Game. The Prosperity Game, first introduced by Abraham-Hicks (teachers of Deliberate Creation), is a simple, fun, and empowering way to activate one’s ability to create prosperity - from the inside out. This is a really fun game.

You start by depositing $1,000 into your ‘virtual’ bank account.  You can keep your deposits and withdrawals on a piece of paper or get the very nice Excel spreadsheet I am using.  If you would like the spreadsheet, please email me at janet@wealthharvest.com and I will send it to you.  You have to spend all of the $1,000 you placed in your account that day.  The next day, you double that amount and deposit $2,000 into your ‘virtual’ bank account.  Again, you must spend all of that money that day.  Day three double your deposit again and add $4,000 to your ‘virtual’ bank account again spending everything in one day. Do this everyday for at least 30 days.  At first, I was being very cautious, because I was forgetting that this was not real money and I could spend it any way I choose.  I had to remind myself that this was something to have fun with!  I am on day 5 and finding it easier to spend the money! The goal of the Prosperity Game is to raise our vibrations relative to money - the receiving and the spending of it.

Second ‘game’ -  Abundance Check Ritual in the New Moon

This ritual has been handed down through so many people that its origin has become unknown.

What are Abundance Checks?

Abundance checks are a tool we can use to create more abundance in our lives. They are written within 24 hours after a New Moon.

Surprisingly, you really don’t even need to believe that the check will work when you write it. You will however be amazed at the results, as you will see increased abundance in your life, in some life area. It is not always financial, but certainly in an area that you need.

There is a traditional manner, which has been handed down, that must be followed. If you do not have a checking account you can draw a check on a piece of paper and fill it out the same way - the results will be the same, more abundance for you.

Here’s how to do them:

1) Within 24 hours after a New Moon, take a check from your checkbook. Where it says, “Pay to,” write your name.

2) In the little box on the same line where you would fill in a dollar amount write, “Paid in full.”

3) On the line underneath your name, where you would write out a dollar amount, write, “Paid in full.” [I find it works better if you don’t add the squiggly line.]

4) Sign the check: “The Law of Abundance”

Do not put a date on the check. Do not write a specific dollar amount in the check. Put it in a safe place and forget about it. The Universe will take it from there.

Many people are skeptical about trying this until they do it. After the first time they realize the power of these checks and do them routinely every month! Try it yourself and see!

If you enjoy this ritual, do it for the next three New Moons and see what happens.

I checked the dates for the New Moon for the rest of the year and they are as follows.  Mark your calendar and remember to follow this process on every New Moon:

August 1
August 30
September 29
October 28
November 27
December 28

I would love to hear any comments or a-ha moments you experience with these games.  I will be keeping you posted about my progress on my other blog site.

Love and Joy to you!

Janet

Wealth Harvest is designed to support women in transition to release their negative beliefs about money and create and receive the wealth they deserve!

For a limited time, I am offering a 30-minute Wealth Activation Session directly with me for $37! Quickly and clearly identify blocks that stand in the way of your success and learn how to clear them from your life. When you emerge from your Activation Session, you’ll feel a level of relief from the simple realization that someone else out there knows what you’re going through and can help make a difference – immediately!

Simply Sign Up for this activation session by emailing me at info@wealthharvest.com in the next 30 days!

Technorati Tags: erin blaskie, event, Speakers, teleclass

 View Print Friendly Version

My colleague and dear friend, Erin Blaskie, is hosting the first annual Summer Speaker Series featuring an amazing line-up of speakers including James Roche, Christina Merkley, Sheri McConnell, Alexis Neely, Allana Pratt, Lou Bortone, Viki Viertel, Lynn Scheurell, Kathie Thomas, Debbie LaChusa, Wendy Weiss, Terri Z, Donna Gunter, Diana Ennen and so, so, so many more.

Here’s the deal… She’s featuring TWO speakers PER DAY for the entire month of August (not including weekends because really, who likes working weekends?)

The best part is that this amazing series of speakers is priced VERY affordable.  It’s going to be one of the hottest events of the summer and you’ve got an invitation from me!

Simply click through HERE and register today.  You won’t be disappointed and I’ll be there to speak as well!

You can purchase a seat in one track, two tracks or get audio downloads included too (along with your live seat) so what are you waiting for!  I’ve heard there is a cap of 200 people due to the bridge line and with the speakers involved, that won’t last long!

Click HERE and register now… ‘see’ you on the calls!

To You Simply Having More,

Janet

Technorati Tags: bonus, child, coaching, depression, family, Finances, grandchild, mindset, siblings, wealth

 View Print Friendly Version

I have noticed that when new clients come to see me to help them manage their finances, they are not always open to talk to me about their real money issues. You can feel that there is an elephant in the room and they are trying to hide it, which is very difficult to do!

So, why are people so guarded when it comes to their finances?

We all have thought patterns about money that were handed down to us when we were very young.   We download these thoughts unconsciously before the age of 7.   This is probably one of the biggest obstacles in the way of our success.  We think we are different then our parents, but until we really dig deep and get to the core of our emotional blocks, we act, attract and do exactly as our parents did because we have the same thoughts in our subconscious that rules every financial decision in our life.

I was at a networking event this month and the speaker spoke about negotiation.  Something she said really struck a cord for me.  She asked everyone if they have ever been told that they look like their sibling.  Most people said YES.  She said that research has found that it is not that you look like your sibling, but that you act like them! WOW, really?   That was so eye opening for me!

Some of us grew up with parents who went through the Depression.  My father was very poor growing up, and as I have said before, he had the ‘poverty mindset’.  He was much more successful in his life then his father was, but he never did break free to be as successful as HE wanted to be. He had constant financial issues. You can see this evidence of this ‘poverty mindset’ in all of my siblings, including me!  I am so grateful that I have found a system that helps me work through my inherited poverty mindset that could have held me back.

Some people are so afraid to take a look at their finances that they hide their head in the sand.  I like to say that people walk around in silent desperation. Why?  Because they don’t talk about there money issues and the emotions kept inside are killing them.

In my experience, the only way to really break free from your FEAR, anxiety and stress is to be aware of your mo-ney emotions. How can you make any steps toward a positive change without being aware?  Awareness is the key to positive results.

I know that talking about money can be so scary for some people.  That is why I created a coaching program to help guide you through the fear, and really train you how to recognize and release the emotions about money that are holding you back.  I coach you to powerfully partner the inner and outer strategies of your financial wealth. It is amazing what positive changes occur when people start understanding the core issues that are blocking their financial success.

Everyone has some type of financial stress.  Even people who have a lot of money have stress.   Some people have a hard time making ends meet when they make $15,000 a month. It does not matter who you are or what your income is, the fact is that we all need help to be truly successful.  We all deserve to be rich in all areas of our lives!

As a bonus, once you do get to the core reasons, it will not only help you break free of any blocks that are holding you back, but also help your children, grandchildren or any other people in your life, come to a new understanding about money. What a great gift to give and what a great legacy to start with people you care about.

Become the savvy financial person you were meant to be! Go to www.wealthharvest.com and sign up for my free newsletter, and receive my e-course called 7 Steps To A Successful Heart Based Business absolutely FR*E!

Technorati Tags: behavior, goal, health, intentions, journal, law of attraction, thoughts, wealth, writing

 View Print Friendly Version

That sounds like a loaded question doesn’t it? I am realizing, through different mentors that I have been studying with, that I need to set my intention every day for my business and life. It has been an interesting journey for me as I learn about intentions.

According to Wikipedia intention means; an agent’s intention in performing an action is their specific purpose in doing so, the end or goal they aim at, or intend to accomplish. Whether an action is successful or unsuccessful depends at least on whether the intended result was brought about. Other consequences of someone’s acting are called unintentional. Intentional behavior can also be just thoughtful and deliberate goal-directedness.

For me, an intention means something I want to have happen in my life or business. As I write them down each day, I really try to feel that the goal or intention is happening now. Then I watch to see if any positive evidences of that set intention appear. During the time that I have been setting my daily intentions, I have seen some evidences that my intentions are appearing. My goals are coming to fruition.

What are your intentions?

Do you intend to be wealthy?
Do you intend to be healthy?
Do you intend to bring more joy into your life?
Do you intend to have a successful business?

I think you get the point. If you are interested in bringing more positive results in your life, my suggestion to you is to:

1. Really take the time and sit down every morning and write what you intentions are. Try to feel that intention in action as you write. I often relate this to writing an order to the universe!

2. Think about what you are grateful for and write that down to. Being grateful for your life as it appears now will allow more to come in.

3. Celebrate any positive outcomes that occur. Keep a success journal to write down all the positive emotions or things that occur for you daily.

Writing allows you to fully focus on what you are intending for yourself and your business. What you give attention to will grow. And this means positive or negative. So be sure to make them positive! Work through the negative thoughts that appear during the day by replacing them with positive thoughts as soon as you hear it. This will allow you to see how your thoughts and actions work against or toward your goal.

As I move more into working on my intentions, I will report back. I can only see positive outcomes from any focused time, be it meditation, visualization or writing out your dreams and goals. Let me know if you have any questions or comments by emailing me at janet@wealthharvest.com

Become a financially successful Heart-Based Entrepreneur! Go to www.wealthharvest.com and sign up for my free newsletter, and receive my e-course called 7 Steps To A Successful Heart Based Business absolutely FR*E!

Technorati Tags: insurance, investment, IRA, portfolio, Real Estate, retirement, retirement plans, Self Directed IRA, Tax Liens

 View Print Friendly Version

I am a big fan of Self Directed IRA’s. The reason is that when you have one, you control and direct where your retirement money grows. You can invest in several different vehicles, and my top two favorites are Real Estate and tax liens. Yes, you can actually purchase real estate with your IRA if it is in a self-directed account.

Here is a good explanation of a Self Directed IRA:

‘A Self-Directed Individual Retirement Account is an IRA that requires the account owner to make investment decisions and investments on behalf of the retirement plan. IRS regulations require that either a qualified trustee, or custodian hold the IRA assets on behalf of the IRA owner. Generally the trustee/custodian will maintain the assets and all transaction and other records pertaining to them, file required IRS reports, issue client statements, assist in helping clients understand the rules and regulations pertaining to certain prohibited transactions, and perform other administrative duties on behalf of the Self-directed IRA owner for the life of the IRA account. Self-directed IRA accounts are typically not limited to a select group of asset types (e.g., stocks, bonds, and mutual funds), and most truly self-directed IRA custodians will permit their clients to engage in investments in most, if not all, all of the IRS permitted investment types (an almost unlimited array of possibilities including foreign real estate). Some of the additional investment options permitted under the regulations include, but are not limited to, real estate, stocks, mortgages, franchises, partnerships, [private equity] and tax liens. Self-directed IRAs, by allowing a wide range of investment choices, improve the account owner’s opportunities to diversify their IRA portfolio(s)’.

There are several ‘third party administrators’ or trustees that you can open your account with. Most charge a fee to open the account and a yearly fee to maintain your account. The one I use has a$395 fee to open the account and a $90 yearly fee after the first year is up. I have heard of some companies that charge a much higher start up cost and annual fee. Please make sure to do your due diligence when researching these firms.

If you are looking for another way to save for retirement and grow your money in an IRA, this is the answer for you.

If you have any questions, please email me at janet@wealthharvest.com

Have you ever wondered how to become financially successful? Find out by going to www.wealthharvest.com and sign up for my free report, 7-day ecourse and newsletter today!

Technorati Tags: Cash, Cash Value, CNBC, EIUL, Equity Indexed, IRA, life insurance, Risk, Safe, savings, tax, Tax-Free

 View Print Friendly Version

With a lot of the news surrounding the economy and how bad it is, I thought it might be a great time to discuss life insurance and how it might be time to really consider it as a way to diversify your portfolio.

A dear friend of mine forwarded a link to a discussion on CNBC about how life insurance is a good investment. Now, I have to admit, I have always known that a life policy with a cash value option is a good product to have in your portfolio. I was really happy to see someone who agreed with me.

Here is the link:

http://www.cnbc.com/id/15840232?video=697206891

Whether the economy is good or bad, you cannot go wrong with a life policy that allows you to save in a cash value account. Why? Because your cash value savings is tax-free! Yes, this is one of those very few places that the government still allows us to save tax-free. With a guaranteed interest rate of 2-4% on most of these life policies, if you calculate in the fact that you are not going to pay taxes on the GAINS, it’s a win-win situation.

Why is tax-free savings a good thing? Here is an example of how taxation works:

If you take a dollar and double it 20 times and minus the tax, you will have about $28,466 left.

But, if you take that same dollar and double it 20 times, without tax, you will have about $1,048,576!

This example should show you the power of saving tax-free.

Here is a great explanation of EIUL that I found on line:

Equity indexed universal life insurance offers a unique combination of affordable life insurance with the ability to accumulate cash values that grow with the upward movement of a stock index without the normal downside risk associated with the equities market. Combine the benefits of upside cash value growth potential with the tax benefits associated with life insurance and a minimum guaranteed interest rate and you have an optimum vehicle for accumulating cash.

The important part to understand is that you are participating in the market, BUT you are not going to be participating in the downside risk. What that means is you will enjoy the gains, but if the market goes down, your cash value does not go down in the slightest. You will keep all your gains and not risk a dime.

I recommend that everyone should at least look into an EIUL policy as a way to diversify your investment portfolio without much risk. There are many things you need to know about an EIUL policy, and your insurance agent can help you determine if it is right for you. Some of these policies can be expensive to purchase. There are also limits to how much you can put in this account each year, but the good news is, the amount you can save within the policy is always more then the annual limit on an IRA. Also remember, this is tax-free savings, not tax deferred.

If you have any questions, please email me at
janet@wealthharvest.com

Become a financially successful woman or Heart-Based Entrepreneur! Go to www.wealthharvest.com and sign up for my free newsletter, and receive my e-course called 7 Steps To A Successful Heart Based Business FR*E!

Technorati Tags: CD, certificate of deposit, insurance, interest, life insurance, money market, rate, savings

 View Print Friendly Version

Three safe places to Save money today!

As we all are hearing day in and day out, the economy is not doing to well right now, and we are in a recession. So, now what should you do? You need to find safe places to save money until things turn around.

Here are three safe places for you to look into right now.

1. Life Insurance- This may sound strange to some of you, but there are life insurance policies that allow you to save within them in something called a Cash Value Account. You get the death benefit as well as a savings account within one policy. This cash value is tax-free and you can use the accumulated cash for anything you like. There are a lot of ins and outs of this type of savings plan, so you may want to talk to your insurance agent about an Equity Indexed Life Policy. I will talk more about this insurance option in my next blog.

2. Money Market Accounts- Right now the interest rates on these are pretty low, but at least you know that you will not lose cash value like you might in the stock market or mutual fund accounts you have right now. Once the economy turns around, you can then move it into a higher earning product and avoid losing any income.

3. Certificate of Deposit/CD- These bank accounts are not really earning a lot right now either, but again they are a safe place to park your money until the tides turn. You then can move your money into a higher yield account when things calm down.

There are many ways to research interest rates. I recommend going to www.bankrate.com to check out all the option available for CD’s interest rates. For Money Market Accounts, I always recommend the ING Orange account, but there are many others who offer the same type of account. One company I use is American Savings, which is an online bank as well. They sometimes offer a higher interest rate then ING.

I also have an account that is earning simple interest right now and is backed by the international real estate market. If that is of interest to you, please email me at janet@wealthharvest.com for more information.

To You Simply Having More,

Janet

P.S. Are you ready to get to the root of your financial issues for your business and your life? My Wealth Harvest 9-Step Group Coaching program is starting in July. Space is limit! Go to www.wealthharvest.com and sign up today!